LMA CONSEILS
ActiveLMA CONSEILS has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €52k. Its solvency ranks better than 70% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+37
Growth78
Track record82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.58 against 1.53 in 2024; short-term debt: 27.9% and cash: 74.3% of total assets), and 27.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.1%
Return on assets
60.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
26 d late
2024
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 471%
2024 · €11k
2024: €11k
2024 → 2025
Total assets
€85k▲ 175%
2024 · €31k
2024: €31k
2024 → 2025
Net result
€52k▲ 499%
2024 · €9k
2024: €9k
2024 → 2025
Working capital
€62k▲ 471%
2024 · €11k
2024: €11k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€11k-€62k▲ 471%
Operating result€12k-€73k▲ 514%
Net result€9k-€52k▲ 499%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 514% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €85k
Equity
€62k▲ 471%
Debt
€24k▲ 17.9%
The debt ratio falls from 65.3% to 27.9%. Equity and debt are higher.
Key figures and ratios
Solvency
72.1%▲
2024 · 34.7%
Current ratio
3.58▲
2024 · 1.53
Quick ratio
3.58▲
2024 · 1.53
Debt / equity
0.39▼
2024 · 1.88
ROE
83.8%▲
2024 · 79.9%
ROA
60.4%▲
2024 · 27.8%
Debt
€24k▲
2024 · €20k
Debt ≤ 1 year
€24k▲
2024 · €20k
Income taxes
€20k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€85k▲
Current assets29/58€31k€85k▲
Amounts receivable within one year40/41€16k€21k▲
Trade receivables40€16k€21k▲
Cash at bank and in hand54/58€15k€63k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€31k€85k▲
Equity10/15€11k€62k▲
Contributions10/11€3k€3k=
Reserves13€8k€59k▲
Distributable reserves133€8k€59k▲
Amounts payable17/49€20k€24k▲
Amounts payable within one year42/48€20k€24k▲
Trade debts44-€3k
Suppliers440/4-€3k
Taxes, remuneration and social security45€16k€21k▲
Taxes450/3€16k€21k▲
Other amounts payable47/48€4k€203▼
Income statement
Code20242025
Gross operating margin9900€12k€73k▲
Operating profit (loss)9901€12k€73k▲
Financial income75/76B-€128
Recurring financial income75-€128
Financial charges65/66B€5€1k▲
Recurring financial charges65€5€1k▲
Profit (loss) for the period before taxes9903€12k€72k▲
Income taxes67/77€3k€20k▲
Profit (loss) for the period9904€9k€52k▲
Profit (loss) for the period to be appropriated9905€9k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€52k▲
Transfer to equity691/2€8k€51k▲
To other reserves6921€8k€51k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.58
Current ratio from 1.53 to 3.58.
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Rivage(M) 367110 La LouvièreGround area
682 m²
Parcel 55042B0030/00C009, Wallonia. Linked by address, not a title deed.
1 establishment unit
LMA CONSEILS
since 20242.365.512.274
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55042B0030/00C009 | Wallonia | 681 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Waterunie
BE 0783.979.239
Gent · Eq €62k
FORGAR
BE 1005.576.234
Waasmunster · Eq €62k
SLOVECO CONSULTING
BE 0752.988.432
Oostkamp · Eq €62k
InVST
BE 0773.803.840
Machelen (Brab.) · Eq €61k
ANNABURGH
BE 0824.101.904
Hoogstraten · Eq €62k
Of 24,501 companies in sector 82990 we hold annual accounts for 9,398. 7,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2024
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:LMACONSEILS@hotmail.com
E-mail:lmaitconseils@gmail.com